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Stock Ratings / Financials / PEBO
WABC (67) BHRB (64) TMP (59) FMBH (66) ⌘ Pro Terminal →

Peoples Bancorp Inc. (PEBO) — RQD Stock Rating Cockpit

$39.50 +3.54% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $39.68

Peoples Bancorp Inc. (PEBO) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $1.39B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PEBO Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PEBO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Peoples Bancorp Inc. (NASDAQ: PEBO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $39.50 (+3.54% 1D, market cap $1.39B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, PEBO ranks #136 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PEBO compare to WABC and BHRB in the Financials sector?
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Within the Financials sector (Major Banks), PEBO carries a Roarable C+ (69/100 RQD), trailing P/E of 13.1x, gross margin of —, and ROIC of 10.5%. By comparison, WABC (Westamerica Bancorporation) holds a C+ grade (67/100 RQD, P/E 12.2x, ROIC 12.4%, cap $1.40B) and BHRB (Burke & Herbert Financial Services Corp.) posts a C grade (64/100 RQD, P/E 12.2x, ROIC 13.7%, cap $1.42B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PEBO?
▼

Per PEBO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000318300), Peoples Bancorp Inc. generated $86.7M in revenue (+2.3% YoY), $106.8M in net income, and $128.7M in free cash flow against $9.65B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $39.68 (+0.45%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 148.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510069
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B- · Rk C+
Cash (13)Whales (13)SEC (13)Macro (14)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+5% Base Target
$49 Bull$41 Base$32 Bear
📬 FREE PEBO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PEBO)Realized 20D OHLCV Swing Band: ±3.9%
Deterministic 5-Pillar Attribution (69/100 Composite)
🔍 WHY PEBO SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+14/20 pts (20% of score)

FRED Regime × Technicals: 80% of 52W Range • RSI-14 at 56.6 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
61
Grade C$35.95+4.5% Next Q
Q2 (-2Q)
64
Grade C+$37.56+2.4% Next Q
Q3 (-1Q)
66
Grade B-$38.45+2.7% Next Q
Current
69
Grade C+$39.50+2% Hist 90D α
Trajectory: C (61) → C+ (69)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PEBO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, PEBO faces multiple-compression risk if 13.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($38.36) or 200D SMA ($36.16) invalidates the momentum regime and cuts Target Base ($41.46) toward Bear Floor ($32.34).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PEBO• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PEBO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 69%NO 31%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
56.630 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE80% OF RANGE
L: $28$39.50H: $42
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on PEBO

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (65)

10.5% ROIC with 42.0% gross margin and 9.23% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (72)

29/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like PEBO
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PEBO Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PEBO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.83%▲ RESISTANCE BREAKOUT
2026-11-03O $38.81H $39.50L $38.57C $39.50VOL 501.6K
RES: $38.13SUP: $34.53SMA50: $38.36SMA200: $36.16
$43.08$39.82$36.56$33.31$30.05RES $38.13SUP $34.53$39.502026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PEBO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PEBO Butterfly Map → + Track PEBO →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
4.3%/yr Implied 5Y Growth

vs. +2.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PEBO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PEBO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PEBO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PEBO)

Financials Rank #136 of 1097 ⚔️ WABC vs PEBO Full Matrix →

1. Head-to-Head Financials Peer Comparison (PEBO vs. WABC, BHRB, TMP, FMBH)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Peoples Bancorp Inc. (PEBO) ranks #136 by composite RQD confidence (69/100, grade C+) and #502 by equity capitalization ($1.39B). Within this direct 5-issuer industry benchmark cohort, TMP leads on earnings valuation at 9.1x trailing P/E, while TMP leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. PEBO currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PEBO ACTIVE
Peoples Bancorp Inc.
C+ 69/100 13.1x — 10.5% +3.54% $1.39B Benchmark Subject
WABC
Westamerica Bancorporation
C+ 67/100 12.2x — 12.4% +1.64% $1.40B /wabc-vs-pebo →
BHRB
Burke & Herbert Financial Services Corp.
C 64/100 12.2x — 13.7% +2.23% $1.42B /bhrb-vs-pebo →
TMP
Tompkins Financial Corporation
C- 59/100 9.1x — 17.2% +1.97% $1.43B /tmp-vs-pebo →
FMBH
First Mid Bancshares Inc.
C+ 66/100 14.8x — 9.6% +2.12% $1.34B /fmbh-vs-pebo →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000318300 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Peoples Bancorp Inc. (PEBO) reported GAAP revenue of $86.7M (+2.3% vs. FY2024 revenue of $84.8M , and +9.1% cumulative change since FY2023) , GAAP net income of $106.8M, operating cash flow of $134.7M, and free cash flow of $128.7M (-5.6% YoY). On the balance sheet, PEBO closed FY2025 with $9.65B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $86.7M $106.8M $134.7M $128.7M $9.65B —
FY2024 (FY) 2024-12-31 $84.8M $117.2M $143.2M $136.4M $9.25B —
FY2023 (FY) 2023-12-31 $79.5M $113.4M $143.6M $143.6M — —

3. PEBO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PEBO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Peoples Bancorp Inc. (NASDAQ: PEBO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $39.50 (+3.54% 1D, market cap $1.39B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, PEBO ranks #136 in composite RQD confidence.

How does PEBO compare to WABC and BHRB in the Financials sector?

Within the Financials sector (Major Banks), PEBO carries a Roarable C+ (69/100 RQD), trailing P/E of 13.1x, gross margin of —, and ROIC of 10.5%. By comparison, WABC (Westamerica Bancorporation) holds a C+ grade (67/100 RQD, P/E 12.2x, ROIC 12.4%, cap $1.40B) and BHRB (Burke & Herbert Financial Services Corp.) posts a C grade (64/100 RQD, P/E 12.2x, ROIC 13.7%, cap $1.42B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PEBO?

Per PEBO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000318300), Peoples Bancorp Inc. generated $86.7M in revenue (+2.3% YoY), $106.8M in net income, and $128.7M in free cash flow against $9.65B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PEBO trading relative to its 50-day, 200-day, and 52-week technical levels?

PEBO last traded at $39.50 (+3.54% on volume of 578,372 shares), positioning the stock +2.97% above its 50-day simple moving average ($38.36) and +9.24% above its 200-day simple moving average ($36.16). Across its 52-week range of $28.01 to $42.29, PEBO sits at the 80.5% percentile with a 14-day RSI of 56.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.9% ($37.96 to $41.04).

Direct Sub-Reports: PEBO RQD Cockpit PEBO 12M Forecast PEBO Earnings & Move PEBO Dividends & DRIP PEBO Insiders & 13F PEBO Whale Options PEBO Profit Sankey PEBO News & Why
ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ SEC XBRL & RQD VERIFIED

PEBO — Peoples Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Peoples Bancorp Inc. (PEBO) earns a live Roarable RQD composite score of 69/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $39.50 (+3.54% 1D, market capitalization $1.39B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 10.5%, gross margin of —, operating margin of 75.0%, and free cash flow yield of 9.23%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Peoples Bancorp Inc. (PEBO) is a NASDAQ-listed operating company in the Major Banks industry (Financials sector) with an equity market capitalization of $1.39B. The business operates with a gross margin of 0%, an operating margin of 75%, and a return on invested capital (ROIC) of 10.5% (free cash flow yield of 9.23%). Within the Major Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Peoples Bancorp Inc. (PEBO) reported $86.7M in annual revenue (up from $84.8M in FY2024, +2.3% YoY) and $106.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($79.5M revenue, $113.4M net income) through FY2025, PEBO scaled operating cash flow to $134.7M and free cash flow to $128.7M, backed by $9.65B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 69/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 9.23% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $28.01 – $42.29 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.1x trailing P/E and 8.6x EV/EBITDA against 75.0% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), PEBO carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can PEBO sustain or expand its 75.0% operating margin and 10.5% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $86.7M and free cash flow of $128.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PEBO's 12.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PEBO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Peoples Bancorp Inc. (PEBO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PEBO Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PEBO Bull vs. Bear Conversation Board — What's Your Call at $39.50?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PEBO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PEBO:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $48.60 (+26.0%)
📌 Pinned Debate

Insider conviction scores 16 of 20, the strongest RQD pillar, alongside a 9.23% FCF yield and 4.17% dividend yield at a 13.1 TTM P/E.

Long PEBO at $38.57 targeting $48.60. Insider conviction scores 16 of 20, the strongest RQD pillar, alongside a 9.23% FCF yield and 4.17% dividend yield at a 13.1 TTM P/E.. Institutional whale score is 13/20 and the risk/reward vs. the $28.01 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@CashFlowKing Agree on the RQD 69/100 quality, though with 1.0 beta I'm scaling in with half-size at $38.57 and keeping dry powder in case we test $35.87.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $29.31 (-24.0%)
Spot @ $38.57

Net income fell from $117.2M in FY 2024 to $106.8M in FY 2025 while FCF declined from $136.4M to $128.7M.

Fading this rally in PEBO at $38.57. Net income fell from $117.2M in FY 2024 to $106.8M in FY 2025 while FCF declined from $136.4M to $128.7M.. With a beta of 1.0 and the stock sitting at $38.57 (52-wk range $28.01–$42.29), the easy multiple expansion is already priced in.

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